7515 TERRACE RIVER DRIVE, TEMPLE TERRACE, FL 33637
Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of September 12, 2026, 7515 Terrace River Drive in Terrace River Ph 1, Temple Terrace is listed at $459,900 (1,860 sq ft, about $247 per sq ft). That sits within a few percent of Terrace River Ph 1's median closed sale of $459,900 over the last 12 months (2 recorded sales). It has been 16 days on market. Listing facts: built in 2002, a private pool, HOA dues of $32/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 2002 · 24 yrs
- 1,860 sq ft of living area
- 2-car garage
- 16 days on market
- HOA $32/mo (per listing)
Pricing & the Terrace River Ph 1 Temple Terrace market
How this home is priced against recent nearby sales, and where Terrace River Ph 1 Temple Terrace has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
Price vs. size in Terrace River Ph 1 Temple Terrace
Each dot is a closed sale since 2013 (33 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). Stellar MLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2014–2025. This home lists at $247/sq ft.
Median sale price by year
12-month median closed price, 2014–2025.
This home’s history
- 2002BuiltPer public record
- Aug 20, 2026First trackedObserved at $489,900
- Sep 5, 2026Price cut$459,900
- NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Estimated monthly payment
- Principal & interest $2,389/mo 79%
- Taxes $402/mo 13%
- Insurance $198/mo 7%
- HOA $32/mo 1%
$3,021/mo at 20% down, 30-yr @ 6.76% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Momentum Property Score
54/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟢 Buyer-leaning conditions around this listing. 24.0 months of supply in the surrounding market and 16 days on market for this home, against a 24-day area median.Days on market:this home 16Area median: 24 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Based on Stellar MLS data distributed by MLS GRID for the period 2013 through 2026. As of September 12, 2026.
🟡 Asking $247 per square foot, about in line with the community’s $247 median. Terrace River Ph 1 Temple Terrace’s 12-month median sold price per square foot is $247. Confidence: Low · 2 closed sales in 12 monthsMLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
What’s unique here: one of only 4 active listings in Terrace River Ph 1 Temple Terrace, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated September 12, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
PRICE IMPROVEMENTPOOL HOME • EXPANSIVE SCREENED LANAI • OVERSIZED PRIMARY SUITE • FLEXIBLE ENTERTAINING SPACE Welcome to 7515 Terrace River Dr, where comfortable Florida living meets a floor plan built for entertaining, relaxing, and everyday functionality. Located beneath a canopy of mature trees in Terrace River Estates, this 3-bedroom, 2-bath, single-story home offers approximately 1,860 square feet, an attached 2-car garage, private swimming pool, and an impressive approximately 25' x 30' screened pool deck and outdoor living area. Step inside and you'll immediately notice that this is not a cookie-cutter layout. Vaulted ceilings, architectural archways, recessed lighting, generous room sizes, and warm flooring through the main living areas create a home that feels open without sacrificing defined spaces.
The main living and dining areas flow naturally into a second gathering space and the kitchen, creating an easy environment for both everyday living and entertaining. The kitchen features natural wood cabinetry, abundant counter space, breakfast-bar seating, double-basin sink, stainless-steel refrigerator, pantry storage, and an adjoining casual dining area surrounded by natural light. Then there is one of the home's most memorable spaces a dedicated flex room currently designed as a private sports lounge and home bar.
Whether you envision Sunday football, a media room, game room, hobby retreat, or personalized entertaining space, this room gives the home a personality and flexibility rarely found in a traditional three-bedroom floor plan. French doors connect the interior directly to the home's signature outdoor retreat. Step outside to an approximately 25' x 30' screened/caged pool deck featuring a private swimming pool, expansive brick-paver-style deck, covered lanai, ceiling fan, shaded seating area, and privacy fencing.
There is ample room for outdoor dining, loungers, grilling, and entertaining—creating a true extension of the home's living space. The primary suite is generously sized, with multiple windows providing natural light, room for substantial furniture, and access to an oversized walk-in closet with extensive shelving. The private en-suite bath offers the space today's buyers appreciate, including dual vanities, a large soaking/garden tub, separate glass-enclosed shower, and private water closet.
Two additional bedrooms offer flexibility for guests, family, hobbies, or working from home. One is currently configured as a spacious home office, demonstrating how easily the floor plan can adapt to today's work-from-home lifestyle. A second full bath serves the secondary bedrooms and guests.
Practical features continue with a dedicated interior laundry room with shelving, plentiful closet and storage space, ceiling fans throughout, and an attached two-car garage. What makes 7515 Terrace River Dr special is not any single feature—it is the combination: a spacious one-story floor plan, private pool, substantial screened outdoor living area, large primary retreat, dedicated entertaining room, home-office flexibility, and mature neighborhood setting all in one property. Conveniently located with access to Temple Terrace, Tampa, major commuter routes, shopping, dining, recreation, and area destinations, this home offers the opportunity to enjoy the Florida lifestyle from the moment you arrive home.
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Description provided by CENTURY 21 CIRCLE and reproduced from the MLS; not independently verified.
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed by the MLS to be accurate.The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
Actual list price: $459,900 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 28% spread on the same house — and that gap is exactly what an automated guess can't see:
- Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
- The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
- Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
- Carrying costs & concessions — this home carries HOA dues of $32/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
- The pool — a private pool carries cost and value that living area doesn't capture.
And here's what the live market is doing — which the number above ignores entirely:
- 4 active listings competing
- ≈24.0 months of supply
- 2 closed here in the last 12 months
For reference, this home is listed at $459,900 ($247/sq ft) — a number set with analysis a Messtimate can't do.
Selling your own home? Try the Messtimate on your address →
Methodology: 1,860 sq ft × $217–$277/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 12, 2026.
Similar homes for sale near TERRACE RIVER PH 1
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Price & listing history
Building permits
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Internet & broadband
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Xfinity/Spectrum cable broadband is widely available.
T-Mobile / Verizon fixed-wireless as a backup option.
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Listed by CENTURY 21 CIRCLE · MLS # TB8538888
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Recent sales activity in TERRACE RIVER PH 1
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the TERRACE RIVER PH 1 neighborhood guide for more.
Recent nearby closings in the data set.
Canonical 12-month median closed price. Reference only.
Canonical 12-month median $/sq ft. Reference only.
Go deeper on TERRACE RIVER PH 1
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Assigned schools
Schools currently assigned to this address in Hillsborough County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
No closely comparable recent sales were found in this data set.
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Buyer research checklist
Items worth confirming for 7515 Terrace River Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2002 (24 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- HOA dues are listed at $32/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
- FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
- Get a homeowners insurance quote for this specific address in Hillsborough County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Private pool: confirm the barrier or alarm meets the state residential pool safety code and ask for pump, heater, and resurfacing records.
- Listed living area is 1,860 sq ft: verify it against the property appraiser's record and measure before relying on it.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $4,829/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Approximate distances
Approximate drive times for general reference only.
Groceries, dining, and parks for this city — see the city guide.
Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
View →Data sources & freshness
| Listing record | Stellar MLS, refreshed twice daily (last: September 12, 2026) |
| Community market stats | Stellar MLS closed sales, as of September 12, 2026 |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone X shown above) |
| Taxes & monthly cost | Estimated from county rates; not a quote |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 7515 Terrace River Drive and when was it built?
Per the listing record, 7515 Terrace River Drive was built in 2002 and has 1,860 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 7515 Terrace River Drive in?
7515 Terrace River Drive is in Terrace River Ph 1 in Temple Terrace, Hillsborough County. The community section on this page shows recent closed sales, days on market, and active inventory for Terrace River Ph 1 from the same MLS data.
Does 7515 Terrace River Drive have an HOA, and how much are the dues?
The listing reports HOA dues of $32 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 7515 Terrace River Drive differ from the current owner's?
The estimate on this page (about $4,829 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 7515 Terrace River Drive in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
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Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
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Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.